How to calculate the provident fund housing loan?
Provident fund loans refer to individual housing provident fund loans, which are usually managed by local housing provident funds. The housing provident fund paid by some employees who require provident fund loans entrusts commercial banks to issue housing pawn loans to depositors who purchase and build their own houses and retired employees who have paid housing provident fund during their employment. Workers who have paid the housing provident fund in accordance with the regulations for more than a certain period of time may request the corresponding provident fund loans when purchasing, building, renovating or overhauling their own houses.
Accounting method of provident fund housing loan
(1) Calculate the loan amount according to the loan repayment.
The calculation formula of employee's own loan amount is:
(The total monthly salary of the borrower+the monthly deposit amount of the housing provident fund of the borrower's unit) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan period (month).
The calculation formula of the loan amount between husband and wife:
(Total monthly salary of both husband and wife+monthly contribution of housing provident fund of the unit where both husband and wife work) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). In the meantime, the repayment talent coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (unit contribution share+individual contribution share).
(2) Calculate the loan amount according to the house quotation.
The formula of accounting is: loan amount = house quotation × loan ratio.
A purchased product rooms, price-limited product rooms, targeted affordable housing, targeted sales of affordable housing or self-owned housing.
For the first set of housing (including product housing, price-limited housing, targeted affordable housing, targeted sales of affordable housing or self-owned housing) purchased by employees' families (including employees and their loved ones and minor descendants), the loan amount shall not exceed 80% of the itemized quotation of the purchased housing. At the same time, the housing quotation of private houses is the lower value of the full price of the house purchase and the housing evaluation quotation.
Workers' families borrow money in our city to buy a second set and other self-owned houses that meet the purchase conditions, and the loan amount does not exceed 70% of the itemized quotation of the purchased houses.
The purchase of targeted affordable housing, the loan amount shall not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.
B for the purchase of existing public housing, the loan amount shall not exceed 70% of the itemized quotation of the purchased housing; For self-built, rebuilt or overhauled houses on rural collective land, the loan amount shall not exceed 70% of the required expenses.
③ The loan amount calculated according to the balance of the housing provident fund account.
A. For the purchased price-limited product housing or affordable housing, the loan amount shall not be higher than 20 times of the balance of housing provident fund account when employees ask for provident fund loans (the sum of the balance of housing provident fund account when employees and their lovers jointly use housing provident fund loans, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it will be recorded as 20,000 yuan.
For the first set of self-owned housing purchased by B loan, the loan amount is not higher than 20 times the balance of housing provident fund account when employees apply for provident fund loans, and the balance of housing provident fund account is 20,000 yuan.
C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be counted as 20,000: the loan is used to purchase a second house; Purchased public existing housing; Building, rebuilding or overhauling self-owned houses on rural collective land.
④ The loan amount calculated according to the high loan limit.
The use of its own housing provident fund to request housing provident fund loans, the maximum loan amount is 600 thousand yuan; If you use the required housing provident fund loan together with your lover's housing provident fund, the maximum loan amount is 800,000 yuan.